You are set out to do what is considered to be the ultimate dream for many. You are about to buy a house and finally have a property of your own. This big step would immediately secure your future and make your mind rest assured that you no longer have to pay rents for houses that you do not belong to. Many people think that it is better to pay a mortgage that would amount to the same as or less than paying the rent every month. At least, after the loan is done and away with, you will be able to proudly call your house completely yours. With no tension and a huge amount of stress gone, your mind can be at ease and no longer have to think about having a house as a priority. However, all that comes later. First, you need to be sure that you are actually ready to own a house. No mental or emotional preparation is necessary. It is mainly a financial preparation and bringing about a change in your lifestyle and mindset. This is how you know you are ready -
* You need to be able to create a good impression on the loan officer. You should have a clean record, which means that there should be no outstanding payments to be made, like car loan, student loan or any other debt. The loan officer would, regardless of the truth, believe that you have been irresponsible in the past and cannot be relied upon to give ทาวน์เฮ้าส์มือสอง กรุงเทพ you this loan for your house too. Secondly, if you have other debts to pay, then there is a good chance that you may not be able to afford to manage your finances in the loan too.
* You must be able to produce a down payment of at least twenty per cent of the total amount. This is for your own sake. More money you give as a down payment, more easily you will be able to handle the rest of the loan installments.
* Know that you have to live with the mortgage for many years after the purchase. So, you must have a steady and reliable income source. You should not buy a house, if you can barely make it till the next paycheck. Also, make sure that the mortgage you take up has a low interest rate for you to pay.
* Bad times can hit anyone. You could come under the pressure of a loss of job or an unsteady income. You must make sure that you have enough money to sustain your family and can live comfortably for the next few months. This preparation, for an emergency, must be made beforehand.
Before taking steps to stabilize your future, you need to stabilize your current financial situation. Otherwise people fall into a bigger hole and sometimes incur huge losses. If you are financially ready for the house and know what all needs to be done after you buy it, then you should trust yourself and confidently make the purchase and get your own house.
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